ORLANDO, FLORIDA -- The month of August my previous balance was $3,500.00 and made a Payment of $114.00. I was for the first time being charged interest of $1480.90 which was now bringing my bill up to $4868.90. I told them my CareCredit was for two years, they told me it was for only one year. I asked how much is the payoff amount so I wasn't charged any interest. I was told if I make a payment of $3338.60 by the 27th of August, I wouldn't be charged interest.
I made a payment for that amount and now I was sent a bill of $1618.83 which means interest from last month and interest for this month. I have called three times in two days and put on hold constantly and nobody seems to settle this issue. I work six days a week and don't have time to be put on hold when nothing gets resolved. This is ridiculous.
SAN ANGELO, TEXAS -- I have had the hardest time making payments. Over the past 3 months I have had every payment rejected despite having the funds to do so. I would make the payments and when balancing my check book I would notice the funds still in my account. I went to check my Care Credit account to see if my payment had processed and it showed rejected.
I emailed customer support and was told I entered my bank info incorrectly. I re-entered my bank info and double checked and re submitted my payment. Again! It rejected it and to make it worse my credit took a hit. I emailed them again and was told my bank info was incorrect. I assured them it was correct and I better have my account credited and my a reduction on my credit. Now I will say this, they credited my account and removed the derogatory mark from my credit report. I just submitted another payment and again! the same process. I know for a fact I entered the correct information and checked it 3 times over. Proceed with caution when dealing with this company.
PHILADELPHIA, PENNSYLVANIA -- Never helpful when dealing with these Reps. I called months ago asking if I could make my payments on the 26th of each month instead of the 25th which they said yes but yet I still get charged a late fee because they never changed the date. So I call because I made my payment on the 26th again as I have been the last 2yrs. When I call the representative tells me, “Oh sorry you gotta pay because whoever you spoke to prior didn't put it in their notes.” So how is that my fault. I use my Care Credit a lot but will be canceling mine's and my parent's cards because they are the worst and the customer service is horrible.
LOS ANGELES, CALIFORNIA -- I lost my healthcare PPO plan with my doctors I liked thanks to Obamacare. Now I have nothing. So I applied for CareCredit for emergency if I need dentist or my annual mammogram. I have had the card one year. I was approved for 1,000. I never used the card as I didn't have to.
Then out of the blue I get a letter that my account “HAS BEEN CLOSED DUE TO LACK OF ACTIVITY“. When I called to ask customer service Why -where was this in the agreement terms she put me on hold a long time then announced that it's IN the terms. I said what is the EXACT wording. “Synchrony Bank reserves the right to close the account due to inactivity”. But it doesn't say HOW LONG THAT PERIOD IS - eg. 12 mos? 2 yrs? 6 mos?
Of COURSE I would have bought a prescription or something to keep it open rather than have to reapply. So basically you're punished and it HURTS your credit rating that they out of the blue kill your account. Now with more damaged credit score good luck being re-upped. But after reading all the scammy Mc scam in these other entries I feel like it's been done me a favor to not reapply.
What a shady outfit. Banks suck in general as they are the greediest and most dishonest business. Period. But this is THE ONLY CREDIT CARD that can be used just for medical so it should be a lifesaver backup. NOPE! And I have a paralegal degree so I can read a contract thank you. My request to speak with the legal dept was DENIED. You will not get beyond their cubicle human bots who read only the script and Will NOT help you.
I am appalled at the rudeness of the customer service agents. Two of the people I spoke with yesterday, asking for help regarding my account, were not only less than helpful but were actually very mean. This is not the first time the customer service reps have been rude. After being kept on hold for 32 minutes, one of them -- a manager, no less -- told me she could not wait longer than two minutes for me to get my husband on the phone to confirm that I was allowed to access our account. When I refuted this, she said, "Actually, I am under no obligation to wait at all for you" and then hung up on me! WHAATT?
This same person also argued for a good 5 minutes that the customer service phone line is available 24/7 but on the Synchrony site it says M-F 9-5. More than just the way they treat their customers on the phone, the company is sneaky in their practices. Some providers will offer promotional purchases -- like 6 months no interest. However, some don't or will only offer it for purchases over a certain amount.
If you have both promos and regular charges on your account, CareCredit will apply your payment to the promo (no interest) first unless you call and tell them to apply it to the high interest (23.9%) purchases first. So it is VERY easy to get huge interest charges building up very quickly, without being aware. It is a deceptive, awful company. I do not recommend them at all.
OREGON -- I notified Care Credit via email a week before my payment was due that I would be a day late. My social security check is deposited the second Wednesday of every month. I received nothing but a run around via email. I made my payment through Care Credit website on the day promised. I did an online chat. The representative refused to remove my late fee of $27 because the same thing happened less than a year ago. This company tries to squeeze every last dime out of senior citizens. Run the other way. Don't use this card.
DALLAS, TEXAS -- First off - worst customer service ever. Interest DESTROYS you!! It's a scam. If you take too long to pay it off, they bury you with insane interest fees. One minute you have $350 in available credit. The next you have $50. And you haven't made a purchase since! They won't work with you even if you call and ask... It's either close the account or get **. I would NOT advise anyone to open one of these accounts!! They are outright THIEVES!
ORLANDO, FLORIDA -- Other reviews for this bank have been less than good. However, my wife talked to someone named Tara, and not only was Tara respectful and helpful, she helped my wife get things settled to everyone's satisfaction. I will never deal with them again because in today's market a 27% interest rate should be illegal. It rates right up there with payday loans.
OHIO -- Care Credit is the worst credit card to have. Their customer service is horrible. The management was rude. When I ask a question they refuse to answer it and they kept repeating their self and when I ask to talk to a manager the manager wanted to know why I wanted to talk to management. And I told them why and they said the customer care person answering the phone already answered my question which state did not. Care Credit is the worst credit card to have.
LAKE CITY, FLORIDA -- I've been paying this company every month for 6 months straight and my bill has dropped $40 out of $200. They said because I did not take the promotion they offered that they are charging additional interest of 67$ on top of my standard interest. I was 3 days late and they charge me 34 late fee. This company is a thief and scam artist. I do not recommend this company to anyone that wants to get their credit help.